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XCS-08 · Banking
SAB - PFM
Saudi’s First Personal Finance Manager
Traditionally, Saudi customers have been more inclined to borrow than save, often maximizing their Debt Burden Ratio (DBR). Our research confirmed this behavior and revealed a gap: customers lacked simple, effective tools to manage their spending, yet many expressed a strong desire for one.
To address this, SAB launched SAB 360 - a Personal Financial Management (PFM) solution designed to empower customers with greater financial control.
We as a team was brought in to define the product strategy, design the experience, and oversee seamless integration across SAB’s mobile and desktop banking platforms.
Saudi customers often prioritize borrowing over saving, maxing out their Debt Burden Ratio (DBR).
Despite a strong desire for better financial control, they lacked simple, effective tools to manage spending. To address this, SAB wanted to launch a Personal Financial Management (PFM) solution designed to empower customers with greater financial control.
Saudi customers often prioritize borrowing over saving, maxing out their Debt Burden Ratio (DBR).
Despite a strong desire for better financial control, they lacked simple, effective tools to manage spending. To address this, SAB wanted to launch a Personal Financial Management (PFM) solution designed to empower customers with greater financial control.
Gravitas was asked to define the product strategy, design the experience, and oversee seamless integration across SAB’s mobile and desktop banking platforms.
Define the product strategy, design the experience, and oversee seamless integration across SAB’s mobile and desktop banking platforms.
Services:
01 – Understand the Problem
Research with customers and bank teams revealed key pain points, behavioral patterns, and trust barriers.
02 – Define the Product Strategy
We aligned stakeholders behind a bold vision and roadmap to shift behavior from borrowing to saving.
03 – Enrich Transaction Data
We transformed raw transactions into clear, user-friendly insights.
04 – Seamless Channel Integration
We embedded PFM into SAB’s app and web platforms, meaning no extra downloads, just instant access.
05 – Future-Ready Foundations
The platform is designed to scale to include features like investment tools, credit tracking, and financial literacy coming next.
“Doing something for the first time is always a challenge - and PFM was no exception. Jana was outstanding. He navigated the complexities of banking, championed the customer, and helped us deliver something truly first-of-its-kind in the Kingdom.”
